Commercial Products

Protecting your business.

When it comes to protecting your business, look to Hawaii’s oldest and largest insurer to cover all your bases. From neighborhood retailers to large corporations with international exposures, our risk-management solutions have proven to be the perfect fit for Hawaii-based companies time and again.

First Advantage Programs
FICOH designed this specially-tailored program to meet the specific needs of businesses within certain industries and professions.

 

First Safe Restaurant Safety Program
Premium discounts, credits and benefits reserved for restaurants that emphasize safety as a foundation of their business practices.

 

Risk Control
Controlling risks is a great way for any businesses to lower insurance costs and enhance its bottom line. We offer a number of resources to help you augment your risk-control efforts.

1st Choice Businessowners Policy

A single, convenient package for your property and liability exposures, designed with the small business owner in mind. The 1st Choice policy can protect your computer equipment, buildings, business personal property, business income, valuable and strategic documents, accounts receivable, money, and securities. Other coverage options are available to further protect your business.

• 1st Choice Businessowners Policy

• 1st Choice Businessowners Advantage

Property

We offer a family of property coverages designed to protect your business's physical assets and the income they produce from loss due to direct physical damage. We focus on prevention, but in the event of a loss we help restore your business operations as quickly and efficiently as possible.

Commercial Automobile

This coverage extends comprehensive protection for bodily injury property damage caused by owned vehicles used for business. Coverages can include auto liability, uninsured motorist coverage, personal injury protection, and physical damage coverage.

Commercial Package

First Insurance CPP (Commercial Package Policy) is the most comprehensive of its type available in Hawaii. It is ideal for larger commercial businesses with large property exposures. CPP can cover general liability, property, umbrella, crime and theft, with additional endorsements available as needed.

Fidelity Bonds

Fidelity bonds guarantee that bonded employees will handle their employer's money and property with "fidelity". Although no one can guarantee an employee's honesty, a First Insurance fidelity bond protects you and your customers from loss incurred by dishonest acts of your employees.

Inland Marine

Inland Marine policies can be written to include property in transit, contractor's equipment, certain warehousing operations and other non-standard property coverages. It can also be applied as additional protection for high-value property.

Surety

First Insurance surety products are designed to serve the middle market and emerging market contractor segments and the small commercial and small contract bond segments. We concentrate our resources on understanding and filling your needs, and we're sensitive to the fast turn-around time required in many bonding situations.

Umbrella

First Insurance offers umbrella coverage for additional levels of protection on First Insurance-issued commercial auto, general liability, and property policies.

Workers' Compensation

Workers' Compensation coverage delivers the necessary and important statutory medical and indemnity benefits to employees for injuries arising from their jobs. Injured workers are provided coverage for required medical treatment and benefits for loss of time from work.

Equipment Maintenance Management

Designed to assist business owners and managers organize their maintenance expenditures and warranty packages into one cost-effective and efficient program. (Underwritten by Specialty Underwriters).

Additional Commercial Protection

First Insurance also offers Temporary Disability Income (TDI), Plate Glass, and a range of additional coverages and endorsements to enhance standard commercial policies.